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Aleem, I have come to this blog several months too late, but given the reform agenda announced this week it seems very relevant. In the UK, we are looking at our programme cycle to see if there is a way to restructure and rebalance our programme rules and tools to allow greater iteration and adaption within our investments, for all the reasons you and others have set out. We are clear that processes are part of the picture, but the wider incentive environment if vital. How to empower front line staff to use their judgement while ensuring we get quality and impact. It would be great to discuss further.